Cheapest Car Insurance for Good Drivers in Virginia

For Virginia drivers, one of the things that is looked at to help calculate insurance cost is where you live. Areas with more people or higher crime rates like Burke, Alexandria, and Centreville are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims generally pay lower car insurance rates.

The table below lists the most expensive cities in Virginia for good drivers to buy auto insurance in.

Rate information is comparative as vehicle location can impact insurance rates considerably.

Buying cost effective auto insurance is difficult, and determining which companies offer the most affordable auto insurance rates for good drivers will involve a little more work. Insurance premiums may be slightly lower than the average rate in Virginia attributed to the decrease in risk related to offering insurance for safe drivers. Cost-effective coverage should be obtainable from many providers.
Every auto insurer has a proprietary method for setting prices, so first let’s look at the rankings for the overall cheapest auto insurance companies in Virginia.

It’s important that you understand Virginia auto insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay. This is why it is so important to compare many different companies when trying to get the best car insurance rates for good drivers. Auto insurance prices are determined by many things and change substantially, so the cheapest company when you bought your policy may now be quite expensive.

Best Insurance Companies for Good Drivers

Compare Rates Now

Travelers may have some of the cheapest car insurance rates in Virginia at around $673 each year. USAA, Penn National, Auto-Owners, and Cincinnati Insurance also qualify as some of the cheaper Virginia insurance companies.

As the example above demonstrates, if you currently buy coverage from Auto-Owners and switched to Travelers, you could earn savings of approxmiately $85. Customers with Cincinnati Insurance might save as much as $90 a year, and Utica National insureds might lower prices by $92 a year.

To find out how your current rates compare, click here to start a quote or quote prices from the following companies.

Bear in mind that those premium estimates are averages across all types of drivers and the different vehicles they drive and are not factoring in a rate decrease for good drivers. So the company that fits you best may not even be in the list of companies shown earlier. That helps illustrate why you need to get auto insurance quotes using your own specific driver and vehicle information.

Everyone has different tastes in autos, and the style of vehicle you are buying coverage for is a large factor when comparing the best coverage for good drivers. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost much less to insure than fast, unsafe models. The information below presents car insurance costs for a number of the most affordable automobiles to insure in Virginia.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in garaging location in Virginia which can revise coverage rates substantially.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in vehicle location which can influence prices substantially.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can affect auto insurance rates noticeably.

Careless driving habits raise auto insurance rates

The common sense way to obtain the cheapest auto insurance for good drivers in Virginia is to pay attention while driving and avoid accidents and violations. The illustration below shows how traffic citations and at-fault collisions drive up auto insurance rates for each different age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2467,2653,4411],[‘Age 30’, 1287,1473,3227],[‘Age 40’, 1257,1443,3201],[‘Age 50’, 1153,1339,3093],[‘Age 60’, 1117,1305,3063],[‘Age 70’, 1399,1585,3341]]);var options = {title: ‘Impact of Citations and Accidents on Virginia Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of a car insurance policy in Virginia per year with no accidents and a clean driving record is $1,447. Factor in one speeding ticket and the average cost swells to $1,633, an increase of $186 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for good drivers jumps again to an average of $3,389. That’s an increase of $1,943, or $162 per month, just for not driving carefully!

Which car insurance company is best?

When comparing car insurance for safe drivers, four companies to take a look at are Geico, Allstate, Progressive, and State Farm. All four can cover your vehicle for liability and physical damage, but each one has unique options and discounts that you can choose from. The data below compares and contrasts some of the different features shoppers can expect to find with each one.

How to find the cheapest auto insurance for good drivers in Virginia

Lowering your rates is not difficult, and here are a few money-saving solutions that can help drivers buy cheap coverage.

• Improve your credit rating
• Avoid preventable accidents
• Drive a car with a high safety rating
• Do not pay for full coverage if not needed
• Save money by obeying traffic laws and keeping a clean driving record
• Raise your physical damage coverage deductibles
• Comparison shop at least every other year

That last tip is extraordinarily critical, as was emphasized in this piece. Insurance rates change frequently, so don’t be unwilling to buy from a new company if a better rate can be found. Sticking with a specific company is fine, but we do not recommend it if that stubbornness costs you lots of hard earned cash every month. Take a couple minutes and shop around to find cheaper insurance for good drivers.

Best cheap insurance quotes for safe drivers

There are many different ways to get affordable auto insurance quotes in Virginia, but the most popular ways are through an independent or non-exclusive agent, an exclusive agency like Allstate or Auto-Owners, or from a direct company like Progressive or Geico. You can use whichever method you prefer, but it’s good to know the differences in how they function.

Independent agencies can place your business with multiple companies and can quote your policy with each one. These types of agents are not employed by one specific company and can quote rates with many companies, which can help you get the best chance of saving money. If cheaper coverage is found, they simply switch companies in-house and that require little work on your part.

An exlusive, or captive, agency is only able to give rates for one insurance company, two of the more popular are a State Farm or Allstate agent. Exclusive agents normally do not have the ability to compare rates from other companies, so they have no alternatives for high prices.

Auto insurance from a direct company means you do not use a local insurance agent and instead buy buying direct from a company like Geico or Progressive. This option can be good for consumers who do not need advice for risk management and know what is covered and what is not.

Which way works best to find the cheapest auto insurance for good drivers in Virginia? We’d like to tell you buying from a direct car insurance company saves money because there are no middleman commissions, but that generally is not the case. We’d also like to say using an independent agent is the best way to go since they can quote with many companies, but that is not necessarily true either. In some circumstances, the exclusive agents have really good rates that independents and direct companies can’t touch.

Since auto insurance rates vary so much, really the best method to get the cheapest rates is to compare rate quotes from as many companies as possible. To find the best rates, be sure to get price quotes from independent, exclusive, and direct to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.